<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=129604147781980&amp;ev=PageView&amp;noscript=1">

The Zoe Blog

Market timing vs. time in the market

Posted by Erich Reimer on Sep 19, 2017 11:08:00 AM

Let’s take a poll.

Raise your hand if you’ve ever heard someone brag about how they bought Amazon stock right before it’s share price doubled?

I bet there's a few of you. Okay put your hand down, people are starting to stare.

Now ask yourself this… was this person's success a matter of luck or skill?  We don’t know your friend, but yea it was probably luck. Maybe best not to tell him that.

As Warren Buffett once said, “The only value of stock forecasters is to make fortune tellers look good.” The short term direction of stock prices is close to random. But why? It all comes down to human psychology and the relationship between markets and volatility. 

Read More

Topics: Personal Finance

Savvy Investor: stocks or bonds?

Posted by Erich Reimer on Sep 12, 2017 10:30:00 AM

Being the successful person that you are, your years of diligent contributions to your retirement fund, along with your well-planned mortgage repayments, have paid off – not only do you have the security that you are saving well, but you’ve managed to do so and still have a nice pile of cash in the bank! So it’s time to take it to the next level. You know you should be investing as the return for sitting on cash is super low, but you’re not quite sure what you should be investing in. To help get the process started, we’ve put together the basics of stocks and bonds. This should help you to get your head around your options and one step closer to knowing where to put your money.

Why Invest in Stocks or Bonds?

Stocks and bonds are the most popular financial assets. Almost every financial plan that’s created includes some kind of investment in one or the other, or both. But why? Is not like they look like Zac Efron or Margot Robbie, so why all the fuss? The three main reasons for their popularity is their liquidity, tax and diversification benefits (sorry, I know... buzz killer).

Read More

Topics: Personal Finance

Nuclear North Korea: the full scoop

Posted by Andres Garcia on Sep 7, 2017 11:45:54 AM

When asked by the press and clients what investors should do as a result of North Korea’s escalating threat, I have answered “Do Nothing”. Now, this is not a result of disinterest in the topic. My father was an ambassador to the United Nations in the 1990s, with his area of expertise being nuclear non-proliferation, so while for most people Sunday evening dinner conversations touched on the Giants or the Yankees, for us the time would be spent getting into the weeds on the situations in Iran, Iraq or North Korea. (This also partly explains my lack of friends in middle school.)  Additionally, in my last role at JP Morgan, I got to learn about geopolitics within an investment framework from my mentor George Iwanicki, who is a prolific global historian (second only to my dad). In other words, I know enough to know that this topic is complicated and thus it is very difficult to predict a particular outcome… and even more difficult to predict how the markets will react.

Nevertheless, despite the North Korean developments being difficult to predict, it is important as a global citizen to understand what is going on. So here goes my shot at providing some context.

Read More

Topics: Investment Insights, Personal Finance

What is the market?

Posted by Erich Reimer on Sep 5, 2017 11:33:17 AM

Whenever you turn on the TV or read a newspaper you will undoubtedly see someone talking about how the “markets” are up, down, flat, upbeat, sad, or some other kind of movement or mood description.

However, what do they really mean when they are talking about the “market”? They are not talking about the local grocery store’s traffic or the overall economy. Rather, the “market” is a broad, but particular, snapshot of the investing world.

Read More

Topics: Personal Finance

Team Lannister vs. Team Targaryen: Who Should the Iron Bank “Bank” On?

Posted by Dillon Ferguson on Aug 28, 2017 2:02:50 PM

When we consider the major players in the Game of Thrones, the Iron Bank of Braavos definitely isn’t the first to come to mind! But the biggest bank in the Seven Kingdoms shouldn’t be underestimated. Back in Season Four, Tywin tries to explain the importance of the Iron Bank to Cersei:

“One stone crumbles and another takes its place and the temple holds its form for a thousand years or more. And that’s what the Iron Bank is, a temple. We all live in its shadow and almost none of us know it. You can’t run from them, you can’t cheat them, you can’t sway them with excuses. If you owe them money and you don’t want to crumble yourself, you pay it back.”

Even Tyrion Lannister agrees that the Iron Bank has significant power, “If we fail to repay these loans, the bank will fund our enemies. One way or another, they always get their gold back.” If Tywin and Tyrion agree that the Iron Bank is significant (and they didn’t agree on much) we know they are a force to be reckoned with.

Read More

Topics: Personal Finance

Financial advisors, the tell-all series. Part 4: Do I need a financial advisor?

Posted by Andres Garcia on Aug 23, 2017 10:47:00 AM

In Part I of this blog series we outlined the different ways in which financial advisors make money, in Part 2 we looked into the differences between a broker and a registered independent advisor (RIA), and in Part 3 we discussed what value a GREAT advisor offers to their clients.

That’s great and all, but do YOU fit the description of someone that needs an advisor?

In this blog, Part 4, we provide a couple of profiles, all with different personal financial situations and needs. These examples are not meant to be recommendations or to cover every scenario under the sun, but rather to serve as a starting point on the journey of financial-awareness.

Read More

Topics: Personal Finance, Financial Advisors, The Tell All Series

Financial advisors, the tell all series. Part 3: What Makes For A Great Advisor?

Posted by Andres Garcia on Aug 15, 2017 11:02:00 AM

In Part 1 of Financial Advisors, The Tell All Series, we outlined the different ways in which financial advisors make money and in Part 2 we looked into the differences between a broker and an independent advisor (RIA).

In this post, Part 3, we dive into what value a GREAT advisor offers to their clients.


Read More

Topics: Personal Finance, Financial Advisors, The Tell All Series

Financial advisors, the tell all series. Part 2: Brokers vs. Advisors

Posted by Andres Garcia on Aug 8, 2017 11:00:00 AM

Some people use the terms "financial advisor" and "broker" interchangeably, although they mean starkly different things. As someone wanting to take charge of your personal finances, these differences are important to understand.

This is the follow-up to Financial advisors, the tell all series. Part 1: How do advisors get paid?.

In this post, the second in our 4 part blog series, I will outline the differences between a broker and an independent advisor.

What is a broker?

A broker, or registered representative, is someone that has passed a state test allowing them to sell financial products such as bonds, stock, annuities and mutual funds. Brokers are overseen by FINRA, which is a broker self-governing body. Brokers are usually employed by a large broker-dealer such as Merrill Lynch or Morgan Stanley, or an independent broker-dealer like LPL, Ameriprise, or Edward Jones.

Read More

Topics: Personal Finance, Financial Advisors, The Tell All Series

Financial advisors, the tell all series. Part 1: How do advisors get paid?

Posted by Andres Garcia on Aug 1, 2017 12:03:33 PM

A few years back, as a global strategist at JPMorgan, my job was to provide market and economic insights to financial advisors around the world. At one point, I was doing 240 presentations a year and speaking to thousands of financial advisors. The experience gave me a good grasp of their business.

The journey of using a financial advisor can be daunting for many, and the ins and outs of the business can be overwhelming. With this in mind, we created this blog series, Financial Advisors, The Tell All. In this initial post I will outline the different ways in which financial advisors make money. In the upcoming posts I’ll dive into the different players, Brokers vs. Advisors, followed by What Makes For A Great Advisor? and finally, Do I Need a Financial Advisor? My aim is to tell all, so that you, our readers, can make informed decisions. 


Five Ways Advisors Get Paid

There are 5 payment methods, each of which has its pros and cons for the client. The pros and cons metioned here relate to the way in which each method helps to align the interests of the advisor with those of the client. The more closely aligned, of course, the better.


Read More

Topics: Personal Finance, Financial Advisors, The Tell All Series

Doomsday prepping, adding a little crazy to your personal finances

Posted by Donna Abbey on Apr 18, 2017 9:33:28 AM

“If the world ends - and not even if the world ends, but if we have trouble - getting contacts or glasses is going to be a huge pain in the ass. Without them, I’m f**ked.” - Steve Huffman, the thirty-three-year-old co-founder and C.E.O. of Reddit, when explaining to Evan Osnos why he had laser eye surgery to correct this nearsightedness.

Read More

Topics: Personal Finance

*All investing is subject to risk, including the possible loss of the money you invest.

**The projections or other information generated by Zoe Financial, Inc. regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.


The Zoe Blog

Interesting and informative opinions and advice on personal finance.

Subscribe to Email Updates

Recent Posts